Chargeback, historically treated as a mere operational expense, is becoming a strategic risk management tool in the Brazilian payments market. This change is driven by the advancement of digital fraud, pressure on profit margins, greater regulatory rigor, and the growth of instant payments in the country.
A joint study by Koin and Gmattos projects that fraud in Brazilian e-commerce could exceed R$ 8.1 billion in 2026, significantly increasing pressure on merchants, marketplaces, acquirers, sub-acquirers, and financial institutions.
Chargeback management is now being seen not only as an operational obligation, but as a valuable source of data for loss prevention, efficiency gains, and strengthening corporate governance of companies in the sector.
The impact of fraud, according to the article, goes beyond direct financial losses, potentially compromising companies' reputations, harming relationships with consumers, and affecting trust in the payments ecosystem as a whole.
